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VISA & trying to go paperless
My VISA (via the bank & auto paid each month) statement is the only non-paperless zone I now have. My bank (FD) say that statement is the only area they cannot control. Up to now I haven't bothered to sort this out, but my travels are going to be extended soon & totally paperless is the goal. Has anyone else had this…
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Can you have 2 credit cards per bank (Virgin, Halifax)
I have cards with most of the leading offer banks Virgin, halifax, Tesco, MBNA etc I recently managed to get a Tesco BT after cancelling my other with no 6 month wait after hearing that Tesco allow you to have 2 card accounts. Is it possible to get and acquire 2 card accounts with Virgin and Halifax? (I already have 2…
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Changing credit card
Hi I have used my Tesco credit card for all of my spending for the last few years, maximizing on the points for their clubcard deals. This has been great but they have now changed their points deal per spend and I am now looking for a new card that will give me the best reward. I have used the Tesco deals to cover holiday…
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Barclaycard Cashback (Amex)
I think the chip on my Barclaycard Amex may be fried. I am trying to remember whether it operated in an online banking card reader (the Visa card works in NatWest, Barclays & Nationwide readers when pressing identify and entering my PIN). I get "This Card is Invalid" or "Wrong Card" with the Amex. Would a kind MSE'er with…
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Need help on a balance transfer
Hi guys sorry im new to the forums just a quick question really myself and my girlfriend each got a credit card mines now on. 3500 and hers is 3000 what do you recommend to get us out of this stupid mistake i wanna get a balance transfer because we are due on holiday later this year so we are saving for this so i thought…
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First Timer need help
Hello, Looking to apply for my first credit card but really not sure what would be the best sort of card for me. The main reason im looking at a credit card is to build some sort of credit history (if thats the right way to put it) as i tend to save then pay in full. The only items i currently have on monthly payment are -…
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Aqua - mastercard
Changed over to clydesdale bank for the £150 switch bank account cash and just tried to pay my aqua card but no option for mastercard? Am i seeing it wrong or do they not accept mastercard?
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credit card companies once I moved abroad
I have moved abroad and have access issues for my UK credit cards (Tesco and Barclaycard) Neither will acknowledge my non UK address or contact number. I am continuing to make payments each month. I have a house in the UK that I rent out whilst I work abroad. Do I have to suck it up and live with it, and hope that my…
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MBNA application - commission and bonuses?
I've been preapproved for an MBNA card via the Eligibility Calculator and am in the process of doing MBNA's own application. I'm intending to do a money transfer to get out of my overdraft and then put anything left over towards my Natwest credit card balance. For the calculator I entered my basic salary, which is 21k.…
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Credit card transfer newbie
Hi all, We have always paid our credit cards off in full but last week had to put a £3,052 bill on it which will be cleared when our remortgage goes through in the next couple of months. We knew it was coming so we applied for a 0% balance transfer card in advance and have just done a balance transfer for the maximum which…
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When to apply?
Following on from a previous thread, I've £2500 on a vanquis credit card paying high interest, ive applied for a 0% card but have only been given a £1000 limit, should I apply for another 0% card now whilst the new cards account isn't showing on my credit file or should I wait?
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Credit Card Refund
Hello, I got a refund which put my credit card into positive balance. I phoned them on Monday and asked for it to be transferred into my current account. They said ok and that it would take a few days. I logged into my bank account today and the balance on the card has gone back to zero with a B2B transaction, but there is…
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Minimising the risk of having your card cloned
In a recent thread about a cloned prepaid card I asked the questions below, hoping to hear from any professional experts or others, but the thread became distracted by some nonsense. So I thought it worth making a fresh attempt: Is there any general advice on avoiding or minimising the risk of having your…
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Correlation between existing customer BT offers and general credit worthiness
To what extent can the 0% period being offered for existing customer balance transfers be regarded as an indication of general credit rating/credit worthiness? Is it, for example, a better indicator than the scores produced by the credit reference agencies? In determining the period to be offered do lenders take into…
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What should I do?
I have two credit cards with barclaycard and I want to close one but which is more important to keep out of the two... 1) Longest barclaycard and my first credit card, I've had it for 23 month in total, 26.9% purchase rate/ 35.9% cash rate. Cash withdraw limit £50 credit limit £6000. (However the purchase rate is due to be…
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How Will My 29% interest credit card work?
Hi so I have been accepted for a credit card from Asda with a limit of 2000 however the interest is 29%APR I want to use this 2000 towards a holiday in November once I have cut my other debts down to the bare minimum which will be by April time which is when I want to use the 2000. The interest free period is 50 days so…
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Should I keep my credit cards?
Hi all, I currently have 5 credit cards: 1) - Capital One, Limit £1000, paid off April 2015 2) Capital One, Limit £200, paid off Jan 2015 3) Capital One, Limit £1800, paid off Feb 2016 (woo hoo!) 4) Tesco, Limit £4800, Balance £4400 (on 0%) 5) Barclaycard, Limit £4000, Balance £1770 (on 0%) I am no longer in possession of…
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Vanquis Credit Card
Hello everyone, I am looking to get a credit card to try and improve my credit rating and Vanquis have initially accepted me but I was wondering if it's actually worth joining them as I have seen a couple of horror stories. This would be my first card and any help or advice would be appreciated.
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Paypal
I need to pay a friend some money and wondered if I can do it using Paypal. Is it possible to add funds to a Paypal account with a credit card and if so, are there charges involved? Or is there another way of making a personal payment using a credit card? Thanks in advance.
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0% BT for 21 months with No Fee
I've just been sent an email by Tesco Bank offering me the following card: - 0% BT for 21 months - 0% BT fee - 1,000 clubcard points for opening and making a BT I don't need the card, but I thought I would pass on the info in case anyone on here can benefit. :)
